SWIFT/BIC codes in Hong Kong SAR China: banks starting with Y

Hong Kong SAR China: banks and their SWIFT/BIC codes

On this page you find the SWIFT/BIC codes of 1158 banks in Hong Kong SAR China – 1362 codes altogether. You will need such a code mainly for international transfers.

Select a bank below to see its head office code and its other codes along with tips for payments to and from that bank. Below the list you can read how a code from Hong Kong SAR China is put together, how to send money there without overpaying and what to check before you pay.

How SWIFT codes from Hong Kong SAR China are built

SWIFT/BIC codes use the same format worldwide: 8 characters. The first four letters stand for the bank, characters five and six are the country code and characters seven and eight give the location.

For banks in Hong Kong SAR China, letters five and six are the two-letter ISO code of Hong Kong SAR China. When those two letters point to another country, the code belongs to a bank in another country – worth double-checking.

When a code ends in XXX, it means the main office, and the 8-character version leads to the same place. For most transfers the head office code is fine, unless the recipient gives you a branch code.

Paying a bank in Hong Kong SAR China from abroad

Hong Kong SAR China is outside the SEPA area, so European euro rules do not apply. Payments from abroad normally travel through the SWIFT network.

Not all countries use IBAN numbers. The recipient’s bank often provides instructions for payments from abroad. International transfers can pass through one or more intermediary banks and fees can be taken along the way.

How long does a transfer to Hong Kong SAR China take?

There is no fixed answer for transfers to Hong Kong SAR China: many land the same day or the next while others need several business days. Payments made after the cut-off time or on weekends and holidays usually start the next business day.

Many banks are connected to SWIFT gpi for faster and traceable payments. Every gpi transfer carries a unique reference, the UETR. Save the payment confirmation.

The largest SWIFT network in Hong Kong SAR China: Hongkong and Shanghai Banking Corporation Limited, The

In our directory, Hongkong and Shanghai Banking Corporation Limited, The holds the largest number of SWIFT/BIC codes in Hong Kong SAR China. Its main office has HSBCHKHHXXX.

Many codes usually means that the bank registers branches and departments separately – it says nothing about the size of the bank as such. Unless a branch code is given, the head office code HSBCHKHHXXX works for transfers to this bank.

Bank or transfer service for Hong Kong SAR China?

If you transfer money to Hong Kong SAR China via your bank, the fee you see is only part of the cost. There is a transfer fee, possibly charges from intermediary banks along the way and, most importantly, the exchange rate markup if the money is converted.

The real cost is often in the rate, not in the fee. Compare the bank’s rate with the mid-market rate, the midpoint you see on financial news sites; the gap is what conversion costs you.

For a lot of routes, a transfer service is cheaper than a traditional bank transfer – mostly thanks to the exchange rate. GoldexPay lists transfer services next to each other, showing the amount that reaches the recipient.

Getting paid from abroad into an account in Hong Kong SAR China

For a transfer from abroad in Hong Kong SAR China, the sender has to have not just the SWIFT code. In practice that means: your name as your bank knows it, your IBAN or account number, the BIC of your bank and sometimes your postal address.

Your bank’s code is in the list on this page. Some sending banks may also ask for your bank’s address, so keep it at hand.

The amount you receive can be lower than what was sent. Charges on incoming payments vary per bank – your bank’s price list tells you what applies. Agree with the sender who covers the fees, especially for larger amounts.

The Hong Kong Dollar (HKD) and conversion costs

Most accounts in Hong Kong SAR China are typically held in HKD – the Hong Kong Dollar. Money sent in a different currency will be exchanged into HKD before it reaches the account.

Who does the conversion affects how much arrives, as rates and margins differ per bank. Check how much HKD the recipient gets with several services. Exchange rates change during the day, so a quote is usually valid only briefly.

Banks in Hong Kong SAR China beginning with the letter :letter

This page shows only the banks in Hong Kong SAR China whose name starts with :letter in alphabetical order. The counts in the introduction always refer to the whole country.

Some banks are listed under their official name, which may start with words like Bank or Banco, so the letter can differ from what you expect. The complete list remains available when you cannot find the bank here.

How reliable is this list?

Have the recipient copy the account details straight from a recent statement. An incorrect BIC may lead to delays, a payment being sent back or additional charges.

We collect bank codes using public sources and update them regularly. Still, banks merge, rename themselves or change codes and our data may lag behind. Treat our data as a starting point: the bank details from the recipient come first. We are an independent comparison site for money transfers.

Scammers often use fake invoices with changed bank details. A valid BIC says nothing about whether a request is genuine: criminals use real codes too.